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"I was totally lost trying to find the right Variable Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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"I lost hope trying to find a Variable Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Variable Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Everett, MA. Get started in under 15 minutes.
All your Variable Life Insurance needs in one place.
Variable Life Insurance is a type of insurance that combines the features of protection and investment. It isn't just about securing your family's future; it's also a way to grow your wealth. While it offers a death benefit similar to traditional life insurance, a part of your premium goes into investments, offering a chance for your money to grow over time.
This insurance has two main components. The first is the death benefit. If you pass away, your family receives a set amount to financially support them. The second part is the cash value. This is the investment portion. You can choose from a variety of funds provided by the insurance company. As the value of these investments goes up or down, so does the cash value of your policy.
One subtype of variable life insurance is called variable universal life insurance. You can adjust your premium and death benefit as your financial needs change. And just like with Variable Life Insurance, a portion of your premium goes into investment funds. This policy offers both the security of life insurance and the growth potential of investment. It's all about giving you the choices and control over your financial strategy.
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Real PolicyHub testimonials...
"I knew I needed Variable Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Variable Life Insurance agent.
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Cale Reeves is a Variable Life Insurance agent licensed in your state.
"I was searching for Variable Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Variable Life Insurance in Everett, MA.
Frequent Questions...
Variable life insurance, which is available in Everett, MA, is a type of life insurance policy that differs from other policies because it gives policyholders the opportunity to invest a portion of the premiums in a tax-free account. These accounts typically contain a selection of mutual funds and other securities, which are chosen and supervised by the policyholder. Profits from this account, that are tax-deferred, are used to offset the cost of the death benefit and also provide the policyholder with a cash value.
Can I cancel my policy after getting variable life insurance quotes in Everett?
Absolutely--Everett, MA residents are allowed to cancel their variable life insurance policies. Our team at [INSERT BUSINESS] is comprised of licensed insurance professionals who are available to help you understand your policy and the cancellation process. Upon cancellation, any policy funds that have accumulated will be refunded, often within two weeks. If there are any questions about termination, please don't hesitate to contact us directly. In addition, we'll work with you to ensure a smooth transition if you choose to switch to another variable life insurance policy with another provider.
What potential risks are there with a variable life insurance policy Everett?
Variable life insurance policies pose certain risks for Everett homeowners. This type of policy generally invests in portfolios of underlying securities, such as stocks and bonds, which come with their own unique sets of risks (e.g., market volatility). On top of that, because of the variable nature of the returns, policyholders may need to pay more out-of-pocket to keep their coverage in place if the invested values don't perform well, that is, if they return less than the expected cash value.
Do I need to understand investments for variable life insurance near Everett?
No, you do not need to be an investment-savvy individual to purchase variable life insurance in Everett, MA. However, familiarizing yourself with investments, understanding their risks and rewards, and researching different investment vehicles can be extremely beneficial when evaluating potential options. Additionally, consulting with a financial professional with expertise in investments and insurance may be helpful in providing customized guidance specific to your needs, budget, and goals. Ultimately, everyone's situation is unique, so ensuring that you have the right type and amount of coverage is key.
Can I include riders in my variable life insurance quote Everett?
Yes, if you live in Everett, MA, you can add riders to your variable life insurance policy. This gives extra protection and flexibility for your benefit and can be tailored to fit your specific needs. Depending on the policy you choose, riders such as death benefit options, long-term care benefits, or accidental death benefits may be included. Your insurance provider can help you find the right riders for your variable life insurance policy.
In Everett, MA, the age restrictions for buying variable life insurance typically depend on the individual insurance company. As a general rule of thumb, purchasers must be at least 18 years old to be eligible. However, some insurance companies may require individuals to be at least 21 years old. It is important to clarify the age restrictions with the specific company you are considering in order to ensure you meet their criteria. Ultimately, age is one of the primary factors that determine whether or not you can purchase variable life insurance.
Can I upgrade variable life insurance policies near Everett to another policy type?
In Everett, MA, you may be able to upgrade your variable life insurance to another type of policy, depending on which provider you purchased it from. Contact your insurance provider to discuss the available options and to review the features and benefits associated with each type of policy. The representative can answer any questions you have and can help you decide if you should upgrade your policy or simply continue with your existing coverage. They may also be able to advise you on other options that could help meet your changing needs.
Can I change investment options for variable life insurance in Everett without tax effects?
Yes, residents of Everett, Massachusetts can switch between investment options without tax implications as long as certain conditions are met. Generally, investors should work with an experienced financial adviser or registered investment advisor to ensure that the switch takes place in a manner that does not trigger taxes or other fees. It is important to be aware of the nuances of the law before attempting to switch investments. Furthermore, investors should keep in mind that some financial institutions offer programs that enable tax-free switching between different options.
Is the cash value in my Everett variable life insurance policy safe from creditors?
In Everett, MA, the cash value from a variable life insurance policy is generally protected from creditors. This is due in part to the fact that the law in Massachusetts is structured in such a way that specific items, such as life insurance policies, are exempt from claims of creditors. Furthermore, as a policyholder, you have a fiduciary duty to ensure that the cash value of your policy remains secure. As such, you should always keep your policy up to date and strive to make sure that your premiums are paid timely and in full.
What's the typical duration of terms with a Everett variable life insurance company?
In Everett, Massachusetts, the typical duration of a variable life insurance policy is typically determined by the policyholder. In other words, the term of the policy is subject to the policyholder's instructions and may vary. Depending on the policyholder's individual needs or financial status, the term of a variable life insurance policy can be lifelong to a specific term. It is important to note that the policyholder must ensure that the term of the policy remains within their means and satisfies their economic requirements.
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